tag:blogger.com,1999:blog-42626566583172443402024-02-06T21:05:31.443-05:00Charlotte in the CityCharlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.comBlogger101125tag:blogger.com,1999:blog-4262656658317244340.post-72649034038484678452010-10-02T16:53:00.002-04:002010-10-02T16:57:23.234-04:00Foreclosures Halted in 23 States<div class="separator" style="clear: both; text-align: center;"><a href="http://ts1.mm.bing.net/images/thumbnail.aspx?q=252858150752&id=3f401bc7d500eb4fa015cc4f150de567&url=https%3a%2f%2fwww.photospin.com%2fcontent%2fphotos%2ffull%2f76_2536487.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://ts1.mm.bing.net/images/thumbnail.aspx?q=252858150752&id=3f401bc7d500eb4fa015cc4f150de567&url=https%3a%2f%2fwww.photospin.com%2fcontent%2fphotos%2ffull%2f76_2536487.jpg" /></a></div>Bank of America and Chase recently announced that they are halting foreclosures in multiple states due to faulty internal practices that may have caused some homes to be foreclosed in error. Unfortunately for Georgia homeowners, this does not apply to our state. The issue is with improper paperwork that was filed in the courts to initiate the foreclosure process. In Georgia, it isn't necessary to take the homeowner to court to foreclose so the assumption is that foreclosures in our state are valid. In reality there are many issues with the process and often the entity foreclosing on a home is not the same entity that actually holds the lien on the property. That's why I feel that Georgia and all other states should be included until there is a closer review of the practices of these mortgage companies.<br />
<br />
Click <a href="http://www.nytimes.com/2010/10/02/business/02mortgage.html?src=mv">here </a>fore more information.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com1tag:blogger.com,1999:blog-4262656658317244340.post-39494647694431110682010-10-02T15:51:00.000-04:002010-10-02T15:51:32.093-04:00Foreclosured Condos under $100,000<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9sh_iKPvMJ3r-rZw5nWcVha0sfY2ZIiaYRkvwf_tmD4T9WIsh4QVwDGCowaUtxRfovfuAZSxJGaNr1fxwTbb-s1GFkjtAnHrkCrBD4jdVQ_bFSJw8sDuyuqvV5YpKSEKajkRbuNn42SCv/s1600/blog+photo.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9sh_iKPvMJ3r-rZw5nWcVha0sfY2ZIiaYRkvwf_tmD4T9WIsh4QVwDGCowaUtxRfovfuAZSxJGaNr1fxwTbb-s1GFkjtAnHrkCrBD4jdVQ_bFSJw8sDuyuqvV5YpKSEKajkRbuNn42SCv/s400/blog+photo.jpg" width="400" /></a></div>The link below provides info on available foreclosed condos in the metro Atlanta area. All condos are relatively new and priced at $100,000 or less. The two bedroom townhome shown above is a steal at $40,000. Its an end unit with a one car garage and is located in a gated community. Four years ago it sold for $164,300. That's a difference of more than $120,000.<br />
<br />
<a href="http://fmlslistings.marketlinx.com/SearchDetail/Scripts/PrtBuyFulPhotos/PrtBuyFulPhotos.asp?emailGUID=fcda1620-eca9-4b0e-ae10-1b3f7f240682&AgentId=LUSBYCH">Foreclosed Condos</a>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-57819747526961541402010-09-20T00:46:00.001-04:002010-09-20T00:51:53.294-04:00Free Museum Admission on September 25th<div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"></div><br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://microsite.smithsonianmag.com/museumday/images/images-2010/top-navigation/Main-Image-Logo.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="117" src="http://microsite.smithsonianmag.com/museumday/images/images-2010/top-navigation/Main-Image-Logo.jpg" width="400" /></a></div><br />
<br />
In recognition of the Sixth Annual Smithsonian Museum Day, 10 museums in the metro area are offering free admission this Saturday. To take advantage of this deal, download the Museum Day Ticket from <a href="http://www.smithsonian.com/">www.smithsonian.com</a>. This ticket will grant you and one other person access to the museum.<br />
<br />
The following museums are currently participating:<br />
<br />
<div><ul><li>Archibald Smith Plantation Home </li>
<li>Art On 5</li>
<li>Barrington Hall </li>
<li>Bulloch Hall </li>
<li>CDC's Global Health Odyssey Museum</li>
<li>Center for Puppetry Arts</li>
<li>Hammonds House Museum </li>
<li>Marietta Museum of History </li>
<li>The Hudgens Center for the Arts </li>
<li>The National Museum of Patriotism </li>
</ul><br />
For more information, click <a href="http://microsite.smithsonianmag.com/museumday/">here</a>. <br />
<div style="background-color: transparent; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;"> </div></div>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-60967033375540438382010-02-14T23:28:00.000-05:002010-02-14T23:28:54.294-05:00Saving Money in Atlanta<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUGSerlc8qVJ7KtfqrxJVS5my5Vn7IfZNb6DazPSHTlidoQ810OvhXv657q3tUs80zVdN0-yx_Z2iXKSGOz5IlZMfbi9c-ZmOKN_E0DfJrhyphenhyphenrFvVyo_2ASAhoeyAzFJPSFYt3yCr3fkEdd/s1600-h/logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="87" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUGSerlc8qVJ7KtfqrxJVS5my5Vn7IfZNb6DazPSHTlidoQ810OvhXv657q3tUs80zVdN0-yx_Z2iXKSGOz5IlZMfbi9c-ZmOKN_E0DfJrhyphenhyphenrFvVyo_2ASAhoeyAzFJPSFYt3yCr3fkEdd/s200/logo.png" width="200" /></a></div><br />
There are lots of great websites to help you stretch the dollar. My favorites are <a href="http://www.groupon.com/r/uu96969">Groupon</a>, <a href="http://www.atlantaonthecheap.com/">Atlanta on The Cheap</a>, and <a href="http://halfoffdepot.com/atlanta">Half Off Depot</a>. Groupon partners with different businesses to advertise their products or services and the businesses agree to accept discounted rates if enough people buy in advance. (Its a group coupon so to speak, hence the name groupon.) Its a great concept. I've saved hundreds of dollars on dining out, auto maintenance, dance classes, laser hair removal, etc. I love it! <br />
<br />
<a href="http://www.atlantaonthecheap.com/">Atlanta on the Cheap</a> is another favorite because it compiles info from different sources so you save time and money. Today there was a great offer for a free symphony concert at the Rialto in celebration of Valentine's Day and Chinese New Years. This is what I did before going out to dinner. It was a great way to spend the day.<br />
<br />
<a href="http://halfoffdepot.com/atlanta">Half Off Depot</a> is similar to Groupon but, in addition to daily deals, it offers regular 50% off coupons from different businesses. From meals to massages to auto maintenance, its all on Half Off Depot.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-65723004896118489772010-02-14T23:04:00.000-05:002010-02-14T23:04:03.191-05:00Happy Valentine's DayHere are flowers and a poem to brighten your day. :)<b><span style="font-size: x-large;"> </span></b><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1TD1AlWTWJ97wNcSNeFw92XEPc1T0d8M1TOSyDMCwqYucFa5yOxSzMYIVi1Xo1hC-hlH9Uncer9FS7418_RjnEBjN-gpC5MDGUqZcT2OGUtjB8cFk1DajhyphenhyphenOMnOIglfYhSnwsCx4xUAYm/s1600-h/roses.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1TD1AlWTWJ97wNcSNeFw92XEPc1T0d8M1TOSyDMCwqYucFa5yOxSzMYIVi1Xo1hC-hlH9Uncer9FS7418_RjnEBjN-gpC5MDGUqZcT2OGUtjB8cFk1DajhyphenhyphenOMnOIglfYhSnwsCx4xUAYm/s320/roses.jpg" /></a></div><br />
<b><span style="font-size: x-large;"> </span></b><br />
<b><span style="font-size: x-large;">Resignation <span style="font-size: small;">by Nikki Giovanni</span> </span> <br />
<br />
<br />
I love you<br />
because the Earth turns round the sun<br />
because the North wind blows north<br />
sometimes<br />
because the Pope is Catholic<br />
and most Rabbis Jewish<br />
because winters flow into spring<br />
and the air clears after a storm<br />
because only my love for you <br />
despite the charms of gravity<br />
keeps me from falling off the Earth<br />
into another dimension<br />
I love you <br />
because it is the natural order of things<br />
I love you <br />
like the habit I picked up in college<br />
of sleeping through lectures<br />
or saying I'm sorry<br />
when I get stopped for speeding<br />
because I drink a glass of water<br />
in the morning<br />
and chain-smoke cigarettes<br />
all through the day<br />
because I take my coffee Black<br />
and my milk with chocolate<br />
because you keep my feet warm<br />
through my life a mess<br />
I love you <br />
because I don't want it <br />
any other way<br />
I am helpless<br />
in my love for you<br />
It makes me so happy<br />
to hear you call my name<br />
I am amazed you can resist<br />
locking me in an echo chamber<br />
where your voice reverberates<br />
through the four walls <br />
sending me into spasmatic ecstasy <br />
I love you<br />
because it's been so good<br />
for so long<br />
that if I didn't love you<br />
I'd have to be born again<br />
and that is not a theological statement<br />
I am pitiful in my love for you<br />
The Dells tell me Love<br />
is so simple<br />
the thought though of you<br />
sends indescribably delicious multitudinous <br />
thrills throughout and through-in my body<br />
I love you<br />
because no two snowflakes are alike<br />
and it is possible if you stand tippy-toe<br />
to walk between the raindrops<br />
I love you<br />
because I am afraid of the dark<br />
and can't sleep in the light<br />
because I rub my eyes<br />
when I wake up in the morning<br />
and find you there<br />
because you with all your magic powers were<br />
determined that <br />
I should love you<br />
because there was nothing for you but that<br />
I would love you<br />
I love you <br />
because you made me<br />
want to love you<br />
more than I love my privacy<br />
my freedom my commitments<br />
and responsibilities<br />
I love you `cause I changed my life <br />
to love you<br />
because you saw me one friday<br />
afternoon and decided that I would <br />
love you<br />
I love you I love you I love you</b>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-53217503215419638642010-01-17T17:30:00.000-05:002010-01-17T17:30:35.336-05:00Haiti - How You Can Help<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLnz6lTeCNBoldQUDXgSjJzVhPd5G2G5Gmdp4O-sV52KXPEgx6pkSxMrntlyPRCRTaHUfRFENxsn5rMoxP8ZK2NHEmD_wy27dLr5A9B61WPuNUSveegJridkgYp-eqL3jZNGjUQcvNWuCt/s1600-h/Haiti.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLnz6lTeCNBoldQUDXgSjJzVhPd5G2G5Gmdp4O-sV52KXPEgx6pkSxMrntlyPRCRTaHUfRFENxsn5rMoxP8ZK2NHEmD_wy27dLr5A9B61WPuNUSveegJridkgYp-eqL3jZNGjUQcvNWuCt/s320/Haiti.png" /></a><br />
</div><br />
There are currently several relief efforts under way to help those affected by the earthquake in Haiti. If you want to contribute, please be wise and donate to an organization that is trusted and will use the funds wisely. <br />
<br />
<br />
<div style="text-align: center;">To make a contribution to the American Red Cross International Response Fund,<br />
</div><div style="text-align: center;"><br />
</div><div style="text-align: center;">Call 800-RED-CROSS (800-733-2767)<br />
</div><br />
<div style="text-align: center;">Visit <a href="http://www.redcross.org/">www.redcross.org</a><br />
</div><div style="text-align: center;"><br />
</div><div style="text-align: center;">or<br />
</div><div style="text-align: center;"><br />
</div><div style="text-align: center;">Text the word "Haiti" to 90999<br />
</div><div style="text-align: center;">(a $10 charge will appear on your cell phone bill)<br />
</div>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-10984873000345671012010-01-08T22:00:00.002-05:002010-01-08T22:07:52.339-05:00A Snow Day!!!<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmsIaZpMdOLqxZTUgz0CGHiF7U7FKWFVbwG3LV7kSsa2qUQymQv8PsCeKg2WbzuqnJSUdGIODTqczff5VfDQDLXDeVNwSbrXmzx_ZyIB3_ulK9qqlgbVOYTg2sQcI2330c_BWuEZItRn64/s1600-h/P1010930.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmsIaZpMdOLqxZTUgz0CGHiF7U7FKWFVbwG3LV7kSsa2qUQymQv8PsCeKg2WbzuqnJSUdGIODTqczff5VfDQDLXDeVNwSbrXmzx_ZyIB3_ulK9qqlgbVOYTg2sQcI2330c_BWuEZItRn64/s400/P1010930.JPG" /></a><br />
</div><br />
Last night it snowed and the city has been shut down ever since. This is comical to anyone from up north or the midwest but in Atlanta this is a real situation. Icy roads and fast drivers don't mix. I think most people were thankful to have the day off and enjoyed the view. (Check out Atlantic Station covered in snow.)<br />
<br />
It won't get above freezing until Monday so take it slow on the roads. They are also predicting more snow next week so you may want to get a DVD or two and keep the refrigerator stocked.<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDRlyfUk8PjIXlZy7YiEHWnIrssWUtWc9PeoHEwiuastcUGhexyGqJcjnBzu5vSI3dCG4pdw3uudoGeQEz6sKy0XN6fqR5v-fMTCSiOqf7rOJXNyqAdlxRxwShC_0nre5WmymmaG71Cfzo/s1600-h/P1010931.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDRlyfUk8PjIXlZy7YiEHWnIrssWUtWc9PeoHEwiuastcUGhexyGqJcjnBzu5vSI3dCG4pdw3uudoGeQEz6sKy0XN6fqR5v-fMTCSiOqf7rOJXNyqAdlxRxwShC_0nre5WmymmaG71Cfzo/s400/P1010931.JPG" /></a><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMYQBOdTzui-rlSvlhSBcS1I2Tx0V-Un0wC1hKp7cJ3_ihdfbcvs98aYNncXpN5bs2IyIS4Yioqa2lOeH5dlQQNMcCWSB-OyiiCf5iUKmIp6vxTQfcEBeqwQq4g_eXXk43D-uMhZk902cI/s1600-h/P1010932.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMYQBOdTzui-rlSvlhSBcS1I2Tx0V-Un0wC1hKp7cJ3_ihdfbcvs98aYNncXpN5bs2IyIS4Yioqa2lOeH5dlQQNMcCWSB-OyiiCf5iUKmIp6vxTQfcEBeqwQq4g_eXXk43D-uMhZk902cI/s400/P1010932.JPG" /></a><br />
</div><div style="text-align: left;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><br />
</div>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-302357841116345242010-01-04T12:41:00.001-05:002010-01-08T21:53:45.968-05:00Sign of the TimesAccording to Channel 2, Georgia has the 3rd highest rate of bankruptcies behind Nevada and Tennessee. 1 in 50 Georgia households filed for bankruptcy between January and November of 2009. This is 22% higher than the same time frame in 2008.<br />
<br />
If you are in a financial bind, my suggestion is that you seek help as soon as possible. Many people turn to bankruptcy to prevent foreclosure. This may not be necessary if you let your lender know what is happening and work out a payment plan. This is easiest when you are not yet behind. If you wait until they have initiated the foreclosure process, they will likely require an initial lump sum payment and you'll be responsible for attorney fees related to the foreclosure filing.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-17773747956341052782010-01-02T03:24:00.002-05:002010-01-02T03:27:43.337-05:00Your HomeYour Home Should Rise Up to Meet You<br />
- Oprah Winfrey<br />
<br />
I believe this means that your home is your refuge and should always feel like a warm and inviting place. There should not be a feeling of dread as you think of your messy kitchen, unfinished projects, or your unhappy home. Whatever it takes to clean house, physically and emotionally, let's take action to make it happen.<br />
<br />
<div style="text-align: left;">I found a quick and easy home improvement project that will benefit most people. I believe it will give you more pride in your home and allow you to enjoy it more too.<br />
<br />
If you have frameless bathroom mirrors that look dated or unfinished, they can easily be updated without being replaced. What you can do is frame them like you would a piece of art. Take a look at the before and after pictures below.<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPPexk2oxdi3tyTfurdDJe7LLE_p5bQ5QmY5_XnH6ywFm5IH1kjGybDU3qrhAeefaGe2tvTvYYUMCd8zLNXW_odEyqfd5T9msZBP5793XI7dPmWAsXF_WtFv3j6L2KlqMbYLpTjCloznh6/s1600-h/before.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPPexk2oxdi3tyTfurdDJe7LLE_p5bQ5QmY5_XnH6ywFm5IH1kjGybDU3qrhAeefaGe2tvTvYYUMCd8zLNXW_odEyqfd5T9msZBP5793XI7dPmWAsXF_WtFv3j6L2KlqMbYLpTjCloznh6/s320/before.png" /></a><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIygUyYNWk4ci4xVwjFKXqied_utV8_mvirifnykSaeZgvbcLU6-iexUxzpIhs6_XIep_nzm9-dil6R5EJ2r4JN0aHMKr6ejsbbl1XyUNOKndrFHaIHRc1dNnL_6m2_QtGWKbLNAWOyheP/s1600-h/after.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIygUyYNWk4ci4xVwjFKXqied_utV8_mvirifnykSaeZgvbcLU6-iexUxzpIhs6_XIep_nzm9-dil6R5EJ2r4JN0aHMKr6ejsbbl1XyUNOKndrFHaIHRc1dNnL_6m2_QtGWKbLNAWOyheP/s320/after.png" /></a><br />
</div><br />
<br />
Its a noticeable improvement and doesn't take much time or money. You can do the same thing with inexpensive molding at Home Depot or Lowe's. (This is the same stuff you'd use for crown molding along your ceilings) You cut the necessary length then attach to the mirror with heavy duty glue and paint. This should cost less than $100. Click <a href="http://www.marthastewart.com/article/framing-a-mirror-with-stock-molding">here</a> for detailed instructions.<br />
<br />
Another option is to buy decorative framing that will come to you appropriately sized to your measurements. This will give you a more polished look but the effect will be about the same. It will take a boring mirror and turn it into a stylish accent for your bathroom. Both <a href="http://www.mirrormate.com/">MirrorMate</a> and <a href="http://www.mirredge.com/">MirrEdge</a> offer this service but the price will be at least 2 or 3 times the cost of the first option. That's because they are doing the measuring, painting, and finishing work for you. All you have to do when you use either of these companies is attach the frames to your mirrors.<br />
<br />
I hope this project helps to make your home more enjoyable.<br />
</div>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-53973107403638615242010-01-01T22:44:00.004-05:002010-01-01T23:00:57.452-05:002010<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEc-j6YsnH-KxA7UsbsLbwcEl5PKjgJiUNBHGPMkMKkiIhcp6qdkO6hJlT_-l_QhyQd0BkkC9M-iE5ERsufawqnb40-w4j5jEDVqYhv4W6v3u97JFUeHoTxY1YaRiVkjW3c9gOZLrGCF3G/s1600-h/img_large_watermarked.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 300px; height: 91px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEc-j6YsnH-KxA7UsbsLbwcEl5PKjgJiUNBHGPMkMKkiIhcp6qdkO6hJlT_-l_QhyQd0BkkC9M-iE5ERsufawqnb40-w4j5jEDVqYhv4W6v3u97JFUeHoTxY1YaRiVkjW3c9gOZLrGCF3G/s320/img_large_watermarked.jpg" alt="" id="BLOGGER_PHOTO_ID_5421984024065130546" border="0" /></a><br />Its official. 2009 was a rough year for a lot of folks but its finally over. Now is the time for fresh starts and new beginnings. Its a time for all of us to feel inspired to put our bad habits behind us and focus on our goals.<br /><br />One of my goals for the blog is to begin to focus on home improvement. Its a fact that many people are staying in their homes longer and updating them because the value is not there to justify a sale. This year I will include posts on DIY projects that will add value and comfort to your home.<br /><br />For 2010, there are two important predictions. The first is that prices will increase in the least expensive housing segment. This means that starter homes will become more expensive for first time home buyers. It is also predicted that the best values in real estate will be in high end, luxury homes. Many of these properties have declined significantly in value while the owners have been waiting for the market to rebound. The prediction is that these owners are now tired of waiting and will realize the loss on the sale so that they can take advantage of better real estate deals.<br /><br />Whether you are buying or selling, don't let this opportunity pass you by. With low interest rates and phenomenal values, there is no reason to sit on the sidelines any longer.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-35226162692085584622009-12-17T15:03:00.004-05:002009-12-17T15:26:34.008-05:00First-Time Home Buyer Tax Credit<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhe3ZFbBao0pfnOJkcT0oslxsFjzWEwLkvzarrv6p1hLhqBUOK9Rr8EDUi0AA1axaI7NU_dsVRNuWA8KlAu-U_IXpdmUanXMmMlziPGl6MzDQ3UI_2S0-eHp4jCniIEdfnoUkbwqjOvIuKR/s1600-h/j0430674.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 214px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhe3ZFbBao0pfnOJkcT0oslxsFjzWEwLkvzarrv6p1hLhqBUOK9Rr8EDUi0AA1axaI7NU_dsVRNuWA8KlAu-U_IXpdmUanXMmMlziPGl6MzDQ3UI_2S0-eHp4jCniIEdfnoUkbwqjOvIuKR/s320/j0430674.jpg" alt="" id="BLOGGER_PHOTO_ID_5416299172483818690" border="0" /></a>If you are considering the purchase of a home, you've probably heard about the first time home buyer tax credit. Despite the program name, the tax credit is available to anyone that has not owned a home in the past 3 years, not just those buying a home for the very first time.<br /><br />Also, the home must be your primary residence and you'll have to file your taxes to receive the tax credit. Many people believe that this money can be used upfront for the purchase of the home but the funds will not actually be available to you until you amend your 2008 tax return or file your 2009 tax return.<br /><br />Its also important to note that you may not receive the entire $8,000 tax credit. This is because its based on the purchase price of the home. The tax credit is equal to 10% of the purchase price of your home. This means you'd have to purchase your home for $80,000 to receive the entire $8,000 tax credit. If you took advantage of the $39,000 foreclosure I posted last week then you would only receive a $3,900 credit if you paid full price for the home.<br /><br />For more information on the tax credit, check out the following links.<br /><a href="http://www.irs.gov/newsroom/article/0,,id=187935,00.html">IRS: First Time Home Buyer Tax Credit</a><a href="http://www.federalhousingtaxcredit.com/faq1.php"><br />FAQ about First Time Home Buyer Tax Credit</a>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-58402433680557612902009-12-11T11:41:00.005-05:002009-12-11T11:52:22.101-05:00Christmas Decorations... Don't Let This Happen To YOU!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjedoqaukQf1wnAkbjHtb3LHxxNugRRCqEvF5uD3q_HeTokErlF1Y7TBD1cdgU6CMcyuwVuhCt-yV_sQLE2xiy0X7KLP4mNo2iHxzO8ZO_jJspHo6OggCw6DA0l6BKsIDItXxRNJoe42Ab-/s1600-h/P1010591.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjedoqaukQf1wnAkbjHtb3LHxxNugRRCqEvF5uD3q_HeTokErlF1Y7TBD1cdgU6CMcyuwVuhCt-yV_sQLE2xiy0X7KLP4mNo2iHxzO8ZO_jJspHo6OggCw6DA0l6BKsIDItXxRNJoe42Ab-/s320/P1010591.JPG" alt="" id="BLOGGER_PHOTO_ID_5414022029514341538" border="0" /></a><br />I saw this while out taking pictures yesterday. There is a right and a wrong way to do Christmas decorations and this is terribly wrong. The sad part is that they are not finished. There are more decorations on the lawn waiting to be inflated.<br /><br />I can appreciate showing holiday spirit but you probably need to stop when the neighbors start complaining.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-59860409823879259372009-12-03T20:37:00.006-05:002009-12-05T07:08:06.829-05:00FHA Loan Guidelines May Be Changing for the WorseThere was an informative article in the Washington Post about how FHA is toughening requirements for borrowers. The assumption is that people are walking away from homes because they don't have enough skin in the game. That they were able to get into homes for very little money and it is therefore not much of a personal loss to abandon them.<br /><br />While this is true for some, I don't think this applies to the majority of people. Most homeowners are emotionally attached to their houses and do not make a strategic decision to foreclose. Its usually the result of a job loss and the resulting loss of income. If loan modifications were readily available, I believe most of these people would remain in their homes.<br /><br />These are the proposed changes to FHA loan guidelines:<br /><br />1. Borrowers will contribute more money, possibly 5% instead of 3.5% currently required.<br />2. The seller contribution will be reduced from 6% to 3%.<br />3. The borrower's upfront and monthly mortgage insurance premiums will be increased.<br />4. The minimum credit score will increase.<br /><br />You can read the article by clicking <a href="http://www.washingtonpost.com/wp-dyn/content/article/2009/12/02/AR2009120200025.html">here</a>.<br /><br />I am admittedly biased on this topic. I think its a bad idea to make it more difficult for people to borrow money given the current economic conditions. I do, however, recognize that this may potentially be favorable to FHA and mortgage lenders in the long term if it results in fewer foreclosures.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-83699521932641250382009-12-04T01:25:00.009-05:002009-12-04T02:08:35.527-05:003 Bedroom, 2.5 Bath Townhome for $39,000<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh20Iacmjjs_NiwQfBvi8_FlOgWihCxAhK98I7qsxcG2BlCr5Yih7scdLbly3CVqG627lwkJOs8bnrUWK4gGJWqpK58IoLZDY9ce_2jh5owZny9cWMmGOJq7xfsFwhkG6sGGNsNsluMVdh/s1600-h/5250+front.jpg"><img style="cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh20Iacmjjs_NiwQfBvi8_FlOgWihCxAhK98I7qsxcG2BlCr5Yih7scdLbly3CVqG627lwkJOs8bnrUWK4gGJWqpK58IoLZDY9ce_2jh5owZny9cWMmGOJq7xfsFwhkG6sGGNsNsluMVdh/s320/5250+front.jpg" alt="" id="BLOGGER_PHOTO_ID_5411273986465878946" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioAfxi5npU-JUk-TjIwX5jAJNw9_DorEW28IKDnI_c4VpNe1OKzQ-D-FEBTM-CD7LmX_K_r1HHCCGMPFztnnMJcWiIviCuTG1nZsizBo6sAYQ8iOLZfuFFnFKiSzSS7f4B8kIF_HrTV0ns/s1600-h/5250+kitchen.jpg"><img style="cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioAfxi5npU-JUk-TjIwX5jAJNw9_DorEW28IKDnI_c4VpNe1OKzQ-D-FEBTM-CD7LmX_K_r1HHCCGMPFztnnMJcWiIviCuTG1nZsizBo6sAYQ8iOLZfuFFnFKiSzSS7f4B8kIF_HrTV0ns/s320/5250+kitchen.jpg" alt="" id="BLOGGER_PHOTO_ID_5411273983949868130" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMC2WIY4yCMM3-QvGD-D15HE5SpQKbGSfe8IHciW2bGKgQoqQoHQa7MjqnG_vVVgCpR77bgBSe0PPjhNBo3cXbQXB6Hwd0h-GWqDJ2cttL1z7eNADp3h03Xf4g5VYQ1P45QoGQhASaxt0t/s1600-h/5250+fireplace.jpg"><img style="cursor: pointer; width: 320px; height: 240px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMC2WIY4yCMM3-QvGD-D15HE5SpQKbGSfe8IHciW2bGKgQoqQoHQa7MjqnG_vVVgCpR77bgBSe0PPjhNBo3cXbQXB6Hwd0h-GWqDJ2cttL1z7eNADp3h03Xf4g5VYQ1P45QoGQhASaxt0t/s320/5250+fireplace.jpg" alt="" id="BLOGGER_PHOTO_ID_5411273979051742578" border="0" /></a><br /><br />The housing decline has created amazing opportunities for buyers. Last month, I sold a townhome in the Avalon community in Fairburn for $47,000. That is almost $100,000 less than it originally sold for 3 years ago. It needed carpet and paint but was essentially a new townhome.<br /><br />Today I learned that another townhome in the community is back on the market. It is also a 3 bedroom townhome and it is in even better condition. Its priced at $39,000. The lower price is due to it not being an end unit and not having a garage or fenced yard like the one sold last month.<br /><br />Another selling point is that its a HUD property. Anyone buying a HUD home as an owner occupant (not an investor) can purchase with only a $100 down payment. This makes home ownership accessible to everyone.<br /><br />If you are interested in learning more about this opportunity, click <a href="mailto:c_lusby@kw.com?subject=I%27d%20Like%20To%20Know%20More%20About%205240%20Lincoln%20Drive">here</a> to send me an email.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-89988775925750671892008-10-15T18:29:00.012-04:002009-12-02T00:08:09.723-05:00Furniture Auction This Weekend<a style="color: rgb(0, 0, 0);" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFS78TifcWIzK5XxZY4XNcKhy9ulcxqIafRAedF3FZZkJXuBQeGXZ6dnw5LX6xh5ZqRI7xFm2GZPiyicyEOQWE_wmwCsHo1gl7M9fFyNrwNTZ_IzFZqqfEZpDKi8BMEKoXelvu8v716645/s1600-h/Auction+Photo.jpg"><span style="color: rgb(255, 255, 255);font-family:arial;" ><img id="BLOGGER_PHOTO_ID_5257512780239749106" style="margin: 0px auto 10px; display: block; text-align: center;" alt="" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiFS78TifcWIzK5XxZY4XNcKhy9ulcxqIafRAedF3FZZkJXuBQeGXZ6dnw5LX6xh5ZqRI7xFm2GZPiyicyEOQWE_wmwCsHo1gl7M9fFyNrwNTZ_IzFZqqfEZpDKi8BMEKoXelvu8v716645/s320/Auction+Photo.jpg" border="0" /></span></a><span style="color: rgb(0, 0, 0);font-family:arial;" ><span style="color: rgb(0, 0, 0);"><br /><span style="font-family:georgia;">This Sunday there will be a furniture auction in Cumming, Georgia. All of the furniture up for auction was used in a model home in Brandon Hall, a Sharp Residential community. If you've ever been in a model home then you know its usually very stylish furniture, bedding, and art work. This is a great opportunity to buy furnishings for your home at a discount. </span></span></span><div style="color: rgb(0, 0, 0);"><br /><span style="color: rgb(0, 0, 0);font-family:georgia;" >Here are the details:</span></div><div style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Sunday, October 19, 2008</span></div><div style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Brandon Hall</span></div><div style="color: rgb(0, 0, 0);"><span style="color: rgb(255, 255, 255);font-family:georgia;" >4210 Wykeshire Court </span></div><div style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Cumming, GA 30041 </span></div><br /><div style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Preview Furniture at Noon</span></div><div style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Auction Begins at 2PM</span></div><br /><p style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Before you go to the auction there are a few things you should know:</span></p><ol style="color: rgb(0, 0, 0);"><li><span style="color: rgb(0, 0, 0);font-family:georgia;" >Everything is sold as is. There are no refunds on items purchased. </span></li><li><span style="color: rgb(0, 0, 0);font-family:georgia;" >There is a 15% buyer's premium on items purchased so if you buy something for $100, it will actually cost you $115 plus tax. </span></li><li><span style="color: rgb(0, 0, 0);font-family:georgia;" >Payment can be made with cash, check, Visa, or Mastercard. </span></li><li><span style="color: rgb(0, 0, 0);font-family:georgia;" >You must take your purchases with you the same day. There are people at the auction for a couple of hours after it ends so you will have time to rent a truck if necessary. Your best bet for a last minute rental is Lowe's or Home Depot. I can also recommend a mover if you don't want to worry about getting a truck. </span></li><li><span style="color: rgb(0, 0, 0);font-family:georgia;" >There are people on hand that can help you load heavy furniture into your vehicle. They work for tips so bring cash.<br /></span></li></ol><p style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >The furniture pictured above is part of the lot that will be auctioned on Sunday. </span></p><p style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Directions:</span></p><p style="color: rgb(0, 0, 0);"><span style="color: rgb(0, 0, 0);font-family:georgia;" >Take Ga. 400 North to exit 14 (hwy 20). Take Hwy 20 east and go 2 miles to right on Trammel Road. Go 2.5 miles and turn right on Windermere Parkway. Turn into Brandon Hall community (Abingdon Place) which will be on your immediate right. Turn left on Wykeshire Ct. The Castleberry Model home is the first home on the right after the stop signs.</span></p>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com1tag:blogger.com,1999:blog-4262656658317244340.post-8056574742270118672009-09-11T22:32:00.006-04:002009-12-01T17:12:21.482-05:00Model Home Furniture Auction<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSYTyTOSvzPz3bUChdZffaBxueXkj4kWG2AYAJEHRZ6VL9_q_lx0Qn5cKlkB9HnPHchOFHp9sBlja8yi3gOT2rUjMlOZx7G6O_4TztGTrr5CDd36Vx7l9AABS50dOA_zdL62I-JYiRI15k/s1600-h/model+furniture.jpeg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 290px; height: 192px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSYTyTOSvzPz3bUChdZffaBxueXkj4kWG2AYAJEHRZ6VL9_q_lx0Qn5cKlkB9HnPHchOFHp9sBlja8yi3gOT2rUjMlOZx7G6O_4TztGTrr5CDd36Vx7l9AABS50dOA_zdL62I-JYiRI15k/s400/model+furniture.jpeg" alt="" id="BLOGGER_PHOTO_ID_5380404492465613762" border="0" /></a><br />There is a model home furniture auction tomorrow afternoon at 1pm in Acworth. Preview begins at 11am.<span id="profile_status"> 103 Harvest Ridge Raod Acworth, GA 30102</span><br /><div style="text-align: left;"><br />See you there!</div>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-83264681772859391682009-08-22T19:29:00.004-04:002009-12-01T17:09:59.134-05:00Looking for a Fresh Start?<strong><span style="font-weight: normal;">Relocation.com has an interesting article if you are thinking of making a change. They have ranked the 20 best cities that would appeal to someone looking for a fresh start. They take into account economic growth, home affordability, and community strength. </span><br /><br /><br />1.</strong> Austin, Texas<br /><strong>2.</strong> Dallas-Forth Worth, Texas<br /><strong>3.</strong> Charlotte, North Carolina<br /><strong>4.</strong> Denver, Colorado<br /><strong>5.</strong> Columbus, Ohio (tie)<br /><strong>5.</strong> Indianapolis, Indiana (tie)<br /><strong>7.</strong> Washington, D.C.-Baltimore, Maryland<br /><strong style="font-weight: bold;">8.</strong><span style="font-weight: bold;"> Atlanta, Georgia</span><br /><strong>9.</strong> Oklahoma City, Oklahoma<br /><strong>10.</strong> Houston, Texas (tie)<br /><strong>10.</strong> Les Vegas, Nevada (tie)<br /><strong>10.</strong> Seattle, Washington (tie)<br /><strong>13.</strong> Minneapolis-St. Paul, Minnesota (tie)<br /><strong>13.</strong> Raleigh-Durham, North Carolina (tie)<br /><strong>15.</strong> San Antonio, Texas<br /><strong>16.</strong> Portland, Oregon<br /><strong>17.</strong> Cincinnati, Ohio<br /><strong>18.</strong> Pittsburgh, Pennsylvania<br /><strong>19.</strong> Memphis, Tennessee<br /><strong>20.</strong> Cleveland, Ohio<div id="TixyyLink" style="border: medium none ; overflow: hidden; color: rgb(0, 0, 0); background-color: transparent; text-align: left; text-decoration: none;"><br />Read more: <a href="http://rismedia.com/2009-05-25/time-for-a-fresh-start-20-best-cities-if-youre-looking-to-start-over/#ixzz0OxQy76BT">http://rismedia.com/2009-05-25/time-for-a-fresh-start-20-best-cities-if-youre-looking-to-start-over/#ixzz0OxQy76BT</a><br /></div>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com1tag:blogger.com,1999:blog-4262656658317244340.post-9017738679733250792009-12-01T14:11:00.006-05:002009-12-01T17:00:38.333-05:00Central City Condos<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjyOXLBnIcqUD0bC3leOvcZ8RAMDUGt3DL7eK9rg0Co0zCFUpcPSrNl4DECamp5HUsZO4TwIPpDgeBthUs8v9vPanSflGhkxRUl3dhRyqo_8mwh8brzd69XCHXJ1HgBU5aIxKEDbhjMPiH/s1600/Central+City+Exterior.jpeg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 266px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjyOXLBnIcqUD0bC3leOvcZ8RAMDUGt3DL7eK9rg0Co0zCFUpcPSrNl4DECamp5HUsZO4TwIPpDgeBthUs8v9vPanSflGhkxRUl3dhRyqo_8mwh8brzd69XCHXJ1HgBU5aIxKEDbhjMPiH/s400/Central+City+Exterior.jpeg" alt="" id="BLOGGER_PHOTO_ID_5410390214835015538" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiQoa4H2n48sW7aveMg1224juc89ASaP_ILLGN40w00imxZSw25psQFRK32sWFFyfOQt8lFblT5RWv3lO0xdrOWHpx0PD-sbnGDUf3R7L016Gns2fCiv_ditXs4Gw_P-PYsWg1_uryJM_W/s1600/P1010452.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiQoa4H2n48sW7aveMg1224juc89ASaP_ILLGN40w00imxZSw25psQFRK32sWFFyfOQt8lFblT5RWv3lO0xdrOWHpx0PD-sbnGDUf3R7L016Gns2fCiv_ditXs4Gw_P-PYsWg1_uryJM_W/s400/P1010452.JPG" alt="" id="BLOGGER_PHOTO_ID_5410390214167832610" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitbYtgd-KpbSxcGKP2VcryDcTYIaA_PDE1XyjKuEAn2TIV9hxzkZDfPNOvKPpGqHsmIC6m_udICfkyrxrKdCBS6M8V9PeG0bQwQf-2ZdG9rBqHieK_nCvMlzXpYhRdw_t0doGGNbz8HXsK/s1600/P1010437.JPG"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitbYtgd-KpbSxcGKP2VcryDcTYIaA_PDE1XyjKuEAn2TIV9hxzkZDfPNOvKPpGqHsmIC6m_udICfkyrxrKdCBS6M8V9PeG0bQwQf-2ZdG9rBqHieK_nCvMlzXpYhRdw_t0doGGNbz8HXsK/s400/P1010437.JPG" alt="" id="BLOGGER_PHOTO_ID_5410390203729724994" border="0" /></a><br />Today I toured Central City Condos off of Ralph McGill near Boulevard and I was pleasantly surprised. The development has spacious floor plans with numerous upgrades like granite counters, real hardwood floors, and stainless steel appliances. Central City Condos is conveniently located near the Atlanta Civic Center, Atlanta Medical Center, and the Georgia Power headquarters. It is also within walking distance of Freedom Parkway.<br /><br />Click <a href="http://www.centralcitycondos.com/">here</a> for more information.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-60899170548857151712009-12-01T16:37:00.005-05:002009-12-01T16:46:18.291-05:00Today is Election Day<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQYrfjFDvThmGIh52AuCTlLRtIRzGd7wMkspbYh-b7CA8vEuiBZQ93uhrRXnuNEc2yTxkLMB_cY5G2VtyTctfsHqlnAxODKZr5gvhE5zz-YZkdTlvueTOl0kTwJctarhZWuXflEqvn3Vh8/s1600/Georgia+Voter+sticker.jpeg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 193px; height: 193px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiQYrfjFDvThmGIh52AuCTlLRtIRzGd7wMkspbYh-b7CA8vEuiBZQ93uhrRXnuNEc2yTxkLMB_cY5G2VtyTctfsHqlnAxODKZr5gvhE5zz-YZkdTlvueTOl0kTwJctarhZWuXflEqvn3Vh8/s400/Georgia+Voter+sticker.jpeg" alt="" id="BLOGGER_PHOTO_ID_5410386236230555330" border="0" /></a><br />Today is the run off election for Mayor of Atlanta. Tonight either Kasim Reed and Mary Norwood will be elected as our next mayor. If you haven't already voted, there is still time. The polls close at 7pm this evening. You can find out where to vote and what other races are on the ballot by clicking <a href="http://www.ajc.com/news/helpful-links-for-georgia-168407.html">here</a>.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-47842333547684539232009-12-01T03:11:00.006-05:002009-12-01T03:21:54.043-05:00Spelman & Morehouse Glee Club Christmas Concert<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2N8aCstVx-Po7MkVZLO-a64eSbDNWy6XgSm5A7ajc7lEy_KJou5fIBKO_nX7_nt9Utw1zLbiKB09osBeugg1gdzDA-a0onNkkcLeP3L7aliKZLlDfKmSS6KXFjVHGRZil6ZHaKwUtOiP4/s1600/xmasconcertsm.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 175px; height: 226px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2N8aCstVx-Po7MkVZLO-a64eSbDNWy6XgSm5A7ajc7lEy_KJou5fIBKO_nX7_nt9Utw1zLbiKB09osBeugg1gdzDA-a0onNkkcLeP3L7aliKZLlDfKmSS6KXFjVHGRZil6ZHaKwUtOiP4/s400/xmasconcertsm.jpg" alt="" id="BLOGGER_PHOTO_ID_5410179956260952962" border="0" /></a><br />Its the most wonderful time of the year! I love Christmas so this rings true for me. :)<br /><br />If you are in the holiday spirit, be sure to check out the annual Spelman and Morehouse Glee Club Christmas Concert. Its this Friday through Sunday in the AUC. The concert is free and starts at 8pm each night. Friday and Sunday performances take place at King Chapel on Morehouse's campus while the Saturday performance will take place at Sister's Chapel on Spelman's campus.<br /><br />Tip: Show up early for the concert as its usually a full house. Your best bet is to go on Friday or Sunday as King Chapel is significantly larger than Sister's Chapel.<br /><br />Click <a href="http://www.spelman.edu/academics/programs/music/index.shtml">here</a> fore more information.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-12183804011504592022009-11-27T21:04:00.003-05:002009-11-27T21:07:36.449-05:00Happy Thanksgiving!The holiday season is upon us and I am so happy to share it with my friends and family. My mother surprised me this morning by getting up before 5am and going with me to Target. There were about 200 people in line when we got there so we missed out on the 32" HDTV for $264 but we found a few other deals. Remember to dress warmly and be safe as you shop for bargains.<br /><br />Happy Holidays!Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-49065787434864919202009-06-08T23:05:00.004-04:002009-06-08T23:16:36.081-04:007 Reasons You Should Get Off The Fence in 2009Every day we are bombarded with conflicting information about the economy. Stock market down then up, unemployment up then down, interest rates low but climbing higher... Its a lot to figure out. One thing is clear and its that there has never been a better time to buy a home. If you are on the fence, here are 7 reasons to make your move in 2009:<br /><ol><li>The American Recovery and Reinvestment Act of 2009 enables first-time homebuyers to qualify for up to an $8,000 in federal tax credit for the purchase of a home.</li><li>It's a buyers market! Buyers who are pre-approved have incredible negotiating power. Financing options are available for those with a steady income and good credit.</li><li>The recent decline in prices has sellers pricing their homes competitively, allowing your dream home to finally be within reach.</li><li>Competitive pricing also means more inventory from which to choose in a variety of locations.</li><li>Interest rates are at historical lows - lower rates equal lower payments, or a larger home - you choose.<br /></li><li>Builders are offering unprecedented incentives for new homes such as flooring upgrades, new appliances, and discounted financing. </li><li>Historically, homes are a solid long-term investment. For the past 40 years, real estate has delivered the most consistent positive return over any investment. When you buy a home, you are building equity and adding to your assets.<br /></li></ol>Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-47890605197584494852009-04-29T10:02:00.004-04:002009-04-29T11:10:40.378-04:00The Auctions Are BackIts been a few months but there are now two model home furniture auctions scheduled for this weekend. Read on for details:<br /><br />Saturday, May 2, 2009<br />Warehouse Auction @ Jason Taylor Moving and Store<br />1445 Pilgrim Mill Road<br />Cumming, GA 30040<br /><br />Preview Begins at 8AM<br />Auction Begins at 10AM<br /><br />Directions: Take GA 400 North to exit 16, Pilgrim Mill Rd. Turn left on Pilgrim Mill Rd. Continue to warehouse.<br /><br />Sunday, May 3, 2009<br />Overlook @ Hampton Station (Beazer Community)<br />204 Hampton Station Blvd<br />Canton, GA 30115<br /><br />Preview Begins at 12pm<br />Auction Begins at 2pm<br /><br />Directions: Take GA 400 North to exit 13, Bethelview Rd. Turn left onto Bethelview Rd. Drive 6.3 miles and turn left on Highway 20, Cumming Highway, and drive another 10.3 miles. The community will be on the left.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-51195707702395640182009-03-30T15:52:00.004-04:002009-04-15T11:09:46.199-04:00Tax Deduction for New CarsAfter doing a lot of research, I bought a new car this weekend. If you're looking to buy a car, you should know that you can deduct the sales tax paid on any new vehicle purchased from February 17th through the end of the year. Click <a href="http://atlanta.bizjournals.com/atlanta/stories/2009/03/30/daily20.html?ed=2009-03-30&ana=e_du_pap">here</a> for details.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0tag:blogger.com,1999:blog-4262656658317244340.post-77552767200470228112009-04-15T09:33:00.004-04:002009-04-15T11:09:07.235-04:00Tax DayToday is the day I've been putting off. I'm not sure why but for the past few years I've procrastinated when it comes to doing my taxes. I'll be at the post office this afternoon mailing my return. Next year I'll do better. I'll file early and do it electronically.<br /><br />After I'm done, I'll head to either <a href="http://www.cinnabon.com/home.html">Cinnabon</a> to get some free tax day bites or I'll go to <a href="http://www.maggiemoos.com/home/index.cfm">Maggie Moe's</a> for their e-CONE-mic stimulus package (a free scoop of ice cream today only.) Its cheesy, I know, but I'll still take the freebie. Also, <a href="http://www.papajohns.com/index.shtm">Papa John's</a> is offering a discount on pizza today as well. For the price of a large cheese pizza, you can get 3 toppings for free. Its their 1040 promotion.<br /><br />If you don't think you'll be able to complete your taxes in time, be sure to file an extension today. You can get the form by clicking <a href="http://www.irs.gov/pub/irs-pdf/f4868.pdf">here</a>.Charlottehttp://www.blogger.com/profile/07408704568998247607noreply@blogger.com0